This is a fully remote position, open to applicants in Florida.

📋 Description

• Review mortgage loan files to ensure compliance with state and federal regulations, agency underwriting standards, industry guidelines, and client specifications.

• Prepare Loan Audit Reports in a professional manner, utilizing proper grammar and clear language to articulate findings.

• Accept constructive feedback and implement changes within an acceptable timeframe.

• Communicate daily production metrics to management via email.

• Adhere to company policies and procedures, ensuring accurate and timely completion of tasks.

• Achieve a daily review target of 6 files within an 8-hour workday while maintaining high quality.

• Collaborate with the Credit Audit Manager to achieve audit objectives.

• Work alongside the Credit Audit Manager to fulfill Key Performance Indicators.

• Carry out additional responsibilities as assigned or required.

⛳️ Requirements

• An Associate's degree in a relevant discipline such as finance, accounting, or business administration.

• Prior experience in mortgage origination underwriting is essential.

• A minimum of 10 years' experience in mortgage origination underwriting, specifically with FNMA, Freddie Mac, VA, FHA, and/or USDA guidelines, as well as non-QM/non-conforming investor standards.

• At least 10 years of experience in residential mortgages.

• Demonstrated knowledge of mortgage loan fraud detection and prevention protocols.

• Comprehensive understanding of current residential mortgage compliance regulations, including RESPA, TILA, Regulation B, AML/BSA, Fair Lending, Dodd/Frank, and other relevant state and federal laws.

• Capability to manage a pipeline of mortgage loan files effectively.

• Strong attention to detail is essential.

• Excellent verbal and written communication abilities.

• Proficiency in Microsoft Office programs, particularly Word and Excel, along with other PC software.